Company Executives

Ran Oz

Chairman

Cal Israel Credit Cards Ltd.

Levy Halevy

CEO

Cal Israel Credit Cards Ltd.

About Cal Israel Credit Cards Ltd.

CAl Ltd. issues and clears credit cards from leading global brands: Visa, MasterCard and Diners Club (marketed exclusively by Cal) and provides non-bank credit to its customers. The company also clears the IsraCard brand. Cal employs about 1,500 employees in its Givatayim, Ashdod and Modi’in Illit offices, who provide financial solutions to about 3 million cardholders and tens of thousands of businesses. The company is owned by Israel Discount Bank (72%) and First International Bank of Israel (28%).

What’s Good for Me - Vision and Financial Solutions

Cal strives to responsibly and pleasurably realize its customers’ dreams, needs, and desires, anytime, anywhere. In accordance with this vision, the company offers a wide array of financial tools and non-bank credit products. From its customer-centric approach, Cal implemented a customer-oriented organizational infrastructure, which offers a combination between a value offering and an innovative digital platform.

What’s Good for Me – for private customers

Cal’s vision and customer-oriented approach led to the creation of a communication channel, under the slogan “Cal what’s good for me”, that enables personal access and interactions between the company and its customers. Accordingly, the company emphasizes the development of digital products that enable the customer to receive information and make transactions at any time and anywhere:

CAL4U Wallet App – enables a wide variety of actions, including viewing debits and transaction details, viewing the PIN code, blocking the card in case of loss or theft, taking a loan, ordering Cal benefits, chatting online with a service representative, etc.

Traveling Abroad Benefits Package – A variety of benefits from the trip planning stage to the return.

Digital Vouchers – Discount coupons purchased in the Cal4U digital wallet for use in a variety of networks in various fields.

What’s Good for Me – A variety of Loyalty Clubs

Cal is the leader in the field of customer clubs in Israel, including:

Shufelsal-Cal – Cal, and Shufersal joined together to establish a joint venture that provides a variety of benefits, a gift of joining and regular discounts on products in the Shufersal chain.

Family365 – a joint club for Cal, ‘Club 365’ and ‘Yinot Bitan’, which provides benefits and refunds for every purchase on the corporate networks.

Cal-H&O - a return of fixed and variable money and discounts in the H&O network.

PowerCard – Benefits and refunds for any transaction made in a variety of leading networks in Israel.

CalFixnet – Refunds of up to NIS 1,000 a year for online forex trading, overseas and in a variety of networks in Israel.

Cal’s Miles & More – Automatic accumulation of miles in Lufthansa and its subsidiaries.

You - Discounts in the chains: Mega, Dor Alon, Alonit and more. In addition, Cal has additional clubs and cards that fit the customer’s lifestyle.

Diners Club – a Cal-exclusive brand that provides permanent benefits to the culture, leisure, cinematography, culinary and vacation realms, in addition to varying monthly sales in a variety of businesses, nationwide.

FLY CARD - a joint card with El Al within the Diners Club brand – Every card purchase grants frequent flyer points at a valuable conversion rate and transforms shopping into flights.

Diners Extra – refunds up to 1,000 NIS of bills and family expenses annually.

What’s Good for Me – Business Customers

Cal provides its business customers with a range of advanced and innovative credit and clearing solutions for the business:

Credit Solution for Businesses

• Online Loans – You can take online loans on the Cal Business Website or the Cal4Biz app, with an approval within 3 minutes.

• Online Credit – Allows you to pre-cash online with Cal Business or Cal4Biz

• Smartphone/tablet clearing – Using the Cal-Pos app, credit cards may be accepted simply, safely and conveniently from your smartphone/tablet.

• Alipay Clearing – A clearing solution for businesses that serve Chinese tourists who make purchases in Israel through Alipay.

• Chat Service for Businesses

What’s Good for the Employees - Growing Together

Cal’s management sees its human capital as a precious asset and invests in hiring quality employees, who will partake in the company’s development and success. Many of the company’s executives began their career at Cal and grew with the company.

What’s good for the community - corporate responsibility

Cal is committed to contributing to the community while helping disadvantaged sectors in the Israeli society. The company stresses combining organizational resources with financial allocations for the community, with participation in social endeavors by employees and managers. Cal has been graded “Platinum” under the “Ma’ale” ratings for corporate responsibility. In accordance with the company’s vision, the company initiated

“To Wish and to Dream is Cal” – the flagship program of social contribution, the goal of which is to fulfill the dreams and needs of “Yeladim BeSikui” voluntary association.

Cal Giving a Chance – A joint social venture with “Yeladim BeSikui”, where Cal customers benefit from discounts in a variety of businesses across Israel. Simultaneously, in every card transaction in a business that registered to this program, the business makes a donation to “Yeladim BeSikui”.

Synergy – A program that integrates senior executives from Cal as a voluntary member of Boards of Directors of social organizations, in cooperation with JDC Israel.

Shi’ur Aher (“A Different Lesson”) – Cal works through the Shi’ur Aher association to support equal opportunity in education. Cal’s employees teach financial-education classes in schools where underprivileged students study.In addition, Cal has other social ventures that link the company’s business activities to the community.